Homebuyers in Sangamon County County who chose CITIZENS EQUITY FIRST CREDIT UNION paid $1,734 less in closing costs than the county median.
County Median Costs
$2,638
−57.8% vs Illinois ($6,250)
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$695
Purchase Originations
1,865
Denial Rate
11.5%
vs Illinois avg (7.5%)
vs Illinois Median
57.8% below
$-3,612
vs National Median
60.5% below
$-4,042
18 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $904 | 6.500% | $350 | 62 | −$1,533 | |
| 2 | $2,020 | 6.575% | $467 | 249 | −$417 | |
| 3 | $2,163 | 6.500% | $495 | 139 | −$274 | |
| 4 | $2,307 | 6.375% | $703 | 105 | −$130 | |
| 5 | $2,335 | 6.750% | $695 | 47 | −$102 | |
| 6 | $2,435 | 6.625% | $628 | 348 | −$2 | |
| 7 | $2,522 | 6.812% | $800 | 50 | +$85 | |
| 8 | $2,526 | 6.500% | $676 | 28 | +$89 | |
| 9 | $2,566 | 6.500% | $795 | 34 | +$129 | |
| 10 | $2,771 | 6.625% | $1,341 | 24 | +$334 | |
| 11 | $2,798 | 6.875% | $1,080 | 33 | +$361 | |
| 12 | $2,801 | 6.625% | $1,047 | 32 | +$364 | |
| 13 | $2,980 | 6.620% | $1,245 | 14 | +$543 | |
| 14 | $3,352 | 6.990% | $2,000 | 29 | +$915 | |
| 15 | $3,403 | 6.875% | $1,550 | 39 | +$966 | |
| 16 | $3,505 | 6.625% | $1,640 | 48 | +$1,068 | |
| 17 | $3,522 | 6.875% | $1,612 | 20 | +$1,085 |
Includes lenders with 10+ purchase originations in Sangamon County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Illinois → Lender Directory
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.